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实战口译-中国金融介绍

 今天，我想就中国的金融体制改革，谈谈几点建议。中国金融改革在“九五”期间已经取得了巨大成就，但是需要做的事情还很多。由于时间关系，我在这里不求全面，只想提出几个我感触比较深的想法，供大家参考。

Today, I'd like to talk about the financial reform in China. Chinia has achieved a great deal in the Ninth Five-Year Plan, but we still have a lot to do. Given that time is short, I won't try to cover everything, but to put forward a few ideas that I feel quite strongly about, some food for thought.

加入WTO的过渡期充期量只有两年多。中国必须在这短短的时间内，完成迎接外资进入中国金融市场的战略安排，完成对国有独资商业银行的体制改革，推动符合条件的商业银行上市，在金融全球化的潮流中激流勇进。

After WTO entry, the transition period is not much more than 2 years. China, within this short time, must complete its strategic set-up in preparation for the entry of foreign competitors. We must complete the reform of the wholly stateowned commercial banks, and help qualified commercial banks to seek listings in the stock market. We need to ride the wave of financial globalisation.

我认为，“十五”期间，中国必然将几大国有的独资商业银行重组为更多数量的股份制商业银行，由中国人民银行继续担任中央银行的角色。应该开始考虑允许建立省级银行。各行实行独立的法人制度。

In my view, during the Tenth Five-Year Plan, China must break up the handful of wholly state-owned commercial banks into a greater number of share-owed commercial banks. The People's Bank of China will remain the central bank. We should begin to consider allowing the establishement of provincial level banks. Each bank will be an independent legal person.

中国必须进一步完善商业银行内部的结构改革。我尤其希望要加强银行经理人员的培训，提高他们的素质。这里我建议，参照发达国家银行业的培训方法，为我国造就一批知己知彼、了解竞争对手的人才。

China must improve the structural reform of its commercial banks. I particularly want to see better training for managers and improvement in their skills. I would suggest here that we learn from banks in developed countries and produce a generation of Chinese managers that know themselves and their competitors equally well.

我建议尽早开始综合经营的试点。允许试点金融机构开展国外商业银行普遍参与的业务，提供更加全面的客户服务。试点的挑选必须是近年来业绩显着、实力雄厚、体制改革成功的银行。

I recommend early piloting of comprehensive services, allowing pilot financial institutions to operate in areas common among foreign commercial banks, to offer a wide range of services to customers. The selection of pilot banks must be based on their performance in recent years, their strength, and their success in the financial reform.

新业务可以包括按照市场供需原则开发、推出新的贷款品种，以满足经济发展和社会发展的需要。近年来，在抵押贷款方面的尝试就是一个很好的成功例子。另外，发达国家银行提供保险和个人投资服务的做法，也很值得借鉴。

The new business areas may include the launch of new loan products, according to the market principle of supply and demand, so as to meet the requirements of economic and social development. Mortgages over recetn years are an excellent example. In addition, banks in developed couontries offer insurance and personal investment services. That's also worth considering.

与此相关，中国必须尽快建立起贷款利率的市场机制，让商业银行参照中央银行的基本利率，根据市场动作需要和自身利益确定各自的浮动利率。这不仅是个银行改革问题，还将大大改善银行业对消费者的服务，刺激经济发展。

Linked to this, China must establish the market mechanism for interest on loans as soon as possible, to allow commercial banks to decide on their own floating interest rates by taking into account the base rate from the central bank, and their own operations in the market as well as their own interests. This is not just an issue of banking reform. It will greatly improve the services banks offer to consumers, stimulating economic growth.

我们必须理顺监管体制。监管机关必须既拥有监管混业经营的能力，又能够根据不同对象的性质分别对待和处理，也就是说必须区别对待不同类型的商业银行。我认为，目前情况下，国有独资商业银行尚不具备混业经营的条件。

We must rationalise our regulatory system. The regulator must have the capacity to regulate comprehensive services. It must also be able to recognise the nature of business of each bank and treat them accordingly. That is to say, the regulator must be able to treat different commercial banks differently. Under the current circumstances, I don't think the wholly state-owned commercial banks are ready for comprehensive services.

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